CapitalRise Review
CapitalRise’s Bridging & Development Loans have earned the Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around interest after bad debts. Visit CapitalRise* or keep reading the CapitalRise Review.
Crowd2Fund Review
Crowd2Fund’s Business & Property Lending is unrated, due to lack of data. There’s not enough information to estimate lending rates after losses from bad debts. Visit Crowd2Fund or keep reading the Crowd2Fund Review.
Kuflink Update: Bad Debts & How Do Recent Changes Impact Lenders?
We’ve had a loooot of emails from lenders about recent changes at Kuflink*, as well as one or two about bad debts. I’ve finished my investigations into the changes and re-interviewed key people at Kuflink. I’ve also done some preliminary research on bad debts in…
4thWay P2P And Direct Lending Index: Q2 2025
Annualised returns after costs and losses have averaged 7.49%, with no losing months. The graph above is not smoothed but actual results over time. I note that, if all write-offs from bad debts were squashed into the same period of time, it would have meant…
CapitalStackers Review
CapitalStackers’ Property Lending Account/IFISA has earned an “Exceptional” 3/3 4thWay PLUS Rating. We forecast that lenders who start lending today will earn an average interest after bad debts, most of the time, although this will vary depending on your specific loans. Visit CapitalStackers* or keep…
Critical Checklist – If You’re Not Doing This You’re Putting Yourself At Risk
P2P lending, IFISA lending and other online lending is pretty simple and straightforward to do well, but only if you do all the routine things right. Neither 4thWay’s lending tips nor any other educational information from us or elsewhere online can save you from disappointment,…
Lessons Learned & Improvements To 4thWay Research & Ratings
I’m super proud of what 4thWay has done for many lenders and of our record. We have made some mistakes, but our ratings, research and guidance has been very accurate. More accurate than it needs to be for lenders to comfortably make satisfactory returns over…
CrowdProperty Review
CrowdProperty’s Bridging & Development loans are unrated. This account has recently been paying lenders interest before bad debts. Visit CrowdProperty or keep reading the CrowdProperty Review.
This Will Help You!
I don’t often write about the ethical, ecological, responsible, “doing good” or social aspects of lending. Hardly anyone clicks on headlines like that. Yet now that I’ve tricked you into this one with my vague title, would you give me a few minutes, as: We…
HNW Lending Review
HNW Lending’s Manual Property & Asset Lending Account, averaging LTV after directors taking first loss, received an Exceptional 3/3 4thWay PLUS Rating. This manual lending account is paying around interest and the average lent is just of the valuation of the borrowers’ properties. Its auto-lend account…
A Light Summary Of LEND.ch, The Swiss P2P Lending Provider
LEND.ch is a Swiss peer-to-peer lending provider offering lending in Swiss francs (CHF). It hasn’t opened up to 4thWay’s specialists with data and access to its key people and therefore we haven’t conducted our usual week’s long assessment of it. So this is kind of…
We Answer IFISA And Other Tax Questions From 4thWay Readers
Update: the first answer was corrected on 10th June after a stupid error by me. My apologies. On the positive side, on the 11th June HMRC explicitly confirmed to 4thWay that our second answer is correct. We have two questions on flexible ISAs and one…
I Don’t Know How Many Times We Have To Tell Lenders This!
Occasionally lenders reach out to 4thWay and describe what they are up to, how they’re doing and what their experiences have been when lending. I really appreciate the contact from you! Recently I had an email that inspired me to write this page today. I’m…
There Are Only Two Good Reasons To Borrow Money
The people normally using 4thWay’s research are all very lucky. I mean, I presume you have money to spare if you’re lending it. There are an awful lot of people who can’t say the same. Yet I think it’s worth looking at the other side…
Best Innovative Finance ISAs In 2025
What are the best Innovative Finance ISAs? The best innovative finance ISAs are these nine, which offer a market-leading risk-reward balance: CapitalRise IFISA. (Minimum £1,000 per loan.) CapitalStackers IFISA. (Minimum £2,500 per loan.) Housemartin IFISA. (Minimum £1 per loan.) Invest & Fund IFISA. (Minimum £2,500,…
HNW Lending Wins Ruling, Contra To Lost Case Last Year
This update on 29th April 2025 is writing up a case in the High Court in February 2025. The judgment on the case was made on 17th April 2025 and it has just landed in my hands. Since the case is now on the public…
Housemartin Review
Housemartin’s P2P Lending Account And IFISA And Classic Account has earned an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around of the loan amount in interest, after bad debts. Visit Housemartin* or keep reading the Housemartin Review.
The Inaccuracy Of Property Price Forecasts And What To Do About It
However, I’m not going to remind you what the latest property-price forecasts from the UK’s best-known economists are for 2025 or the next 12 months. If you want to know, you’ll have to look them up yourselves. Here’s why… What happened in 2024? To start…
The 9 Best Peer-To-Peer Lending Accounts In The UK 2025
My team and I have been assessing P2P lending accounts since 2014 and we continue to have a 100% record. (We won’t always get all the most important calls right – that’s impossible in investing – but we expect that we almost always will.) My…
Lead Weight Of Responsibility
This content today is extremely different to normal, but I need to get it out, as it’s pressing on my mind. Unusually, this page is not about a cold assessment of an investment provider or lending tips. Instead, it’s all about me. I have to…
